Loan Amount
$250K - $5M
Loan Terms
3 - 25 Years
Time to Fund
30 - 60 Days
Interest Rate
5% - 9%
How it works.
SBA loans are partially guaranteed by the U.S. Small Business Administration, reducing risk for lenders and providing you with better terms and lower rates.
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Prepare your documentation: Gather business plan, financial statements, tax returns, and personal financial information for a comprehensive application.
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Submit your application: Work with an SBA-approved lender to complete and submit your application with all required documentation.
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SBA review and approval: The SBA reviews your application and provides a guarantee decision, typically within 3-5 days depending on loan size.
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Close and fund: Complete final documentation, close your loan, and receive funding for your business growth initiatives.
Perfect for established businesses that need...
Real Estate Purchases
Buy commercial property, expand facilities, or refinance existing real estate with long-term financing and low down payments.
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Debt Refinancing
Consolidate existing business debt into a single payment with lower rates and better terms to improve cash flow.
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Working Capital
Fund inventory, payroll, marketing, and operational expenses with flexible working capital that grows with your business.​
Business Expansion
Open new locations, expand operations, or enter new markets with government-backed financing and competitive rates.
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Equipment & Machinery
Purchase new equipment, upgrade technology, or modernize operations with long-term financing up to equipment's useful life.
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Business Acquisition
Purchase existing businesses, buy out partners, or acquire competitors with SBA 7(a) financing designed for acquisitions.
Minimum
Requirements
SBA loans have stringent requirements but offer the best terms available. Here's what you need to qualify for government-backed financing.
✓ 2+ years in business - Established operations with track record.
✓ Min Revenue $500K/Year - And must show at least 10% profit.
✓ 680+ credit score - Strong credit history preferred.
✓ Profitable operations - Demonstrated profitability and cash flow to support payments.
​✓ No excessive business debt - No recent bankruptcies, tax liens, or foreclosures